-
Muleing with a Santander Zero atm withdrawals?
So I've not even really started my slow stooze plan, and I noticed something interesting on my Santander Zero card statement. As per the Santander page on the card, my statement says "Cash Transactions Fee 0.00% (minimum £0.00)" Does this mean I could withdraw cash with my Zero card until I was approaching the limit of my…
-
First Direct Gold Card - direct debit not from 1st Account?
I recently got a First Direct Gold credit card after the 0% period on my Nationwide card expired. However, it only seems to let me set up a direct debit from my 1st account. Is it possible to pay off the minimum amount by direct debit but from a non-First Direct account? If so, how?
-
First credit card, tips and advice please?
Hello, So the pin number for my very first credit card arrived this morning. Its with Capital One and a tiny £200 credit limit. I was in a relationship and I didnt manage our finances. When we separated I had so much debt. Three years on I'm starting to see the wood through the trees, however I am now a single parent, HE…
-
Which is best, credit card or personal loan?
Could really do with some help here guys. I get married soon & need to borrow around £4000 for expenses. I plan to pay off the amount above to settle the remaining balance of our wedding venue. Now this is where the problem is, I would like to borrow the amount above over 12 months, am I better with a credit card or…
-
Pay Back 0% Card or Save in ISA
Hi People, I recently I did a balance transfer to a Barclay card with 36 months interest free. I owe £7200 (from renovating a house) and am now in a position to start clearing this card, I aimed to do this in a year paying around £600pm. Would I be better paying the minium of £130pm and then putting the remaining £470pm a…
-
Can I ask? Transfers between accounts.
New to this so please accept apology if asked previously. I have three high interest current accounts and transferring money between them to satisfy funding requirement's. Is there a minimum period that I have to leave the money in the account before I can transfer it out to the next account or can I do it once it has…
-
Argos e mail address
Can anyone let me have an up to date e mail address for complaints to Argos?
-
Cards most likely to offer credit limit of £6000(ish) and 0% purchases?
I’m hoping to get some advice on which cards are most likely to offer me a credit limit of approximately £6000 and 0% on purchases. Ideally I will need 32 months at 0% (at which point my ISA will mature), which would require a balance transfer and another card somewhere down the line, but I don’t currently have any…
-
Interest Calculation Request
Hello, I have just received a Santander 15 months 0% Credit Card with a disappointing £4,400 limit. I plan to mule the £4,400 to my RateSetter account and lend it for the One Year term at an interest rate of 4.2%, and with my RateSetter account configured to lend the monthly repayments back out on the Monthly term at a…
-
Marks and Spencer Credit Card
Just applied and got accepted for the Marks and Spencer Credit card via moneysavingexpert website. Balance transfer 0% for 15 months with no transfer fee and 0% on purchases for 19 months. I received the £5 M&S Bouns Points but no mention of the £30 voucher to spend in Marks and Spencer Food (although recollection that…
-
Balance transfer from another card
Hi everyone I need advice on this procedure that i'd like to execute. I use amex,master cards cc that give avios points regularly but I pay it off each month. This time i'd like to use it to buy some holiday tickets(so I can still get avios points) and then use another cc to pay off my amex cc. I want to do this without…
-
MBNA Money transfer
It would seem the new MBNA card is well set up for stoozing. 0% for 24months on money transfers with a 2.69% fee. That averages to a 1.35% fee per year so if the money were put in say a 5% interest current account. You'd pocket at least 2.5% interest (low rate taxpayer). Thats a free 250 quid per year if you were fortunate…
-
Have I got this right?
[FONT="]Does this sound right? I have an MBNA card with no fee on money transfers. The credit limit is £2200 I want to transfer money into my current account from this CC. Then I want to do a balance transfer from a no fee 0% card ( I haven't got this card yet). 1 - Do I do the money transfer and then immediately do…
-
closed account .. refunds
Hi, Just wondered if anyone could advise. I had a credit card which I have since closed. Amazon plan to give me a refund but will only refund my old credit card I used to make the purchase which is now closed. The card company aren't helpful. What are my rights? Many thank.
-
Spending cashback and BT stooz
Ok, before I start here's a warning: If you are new to stoozing or a non-mathematician then the rule is you never spend on a card that you have transfered a balance to for stoozing. But I can't resist the idea of squeezing every last penny out of a card! Just applied for a Santander 123 credit card for stoozing. Transfered…
-
warning about multiple transfers after card activation
Just a heads up because the chap at Tesco said this has been happening to a few people. I applied for the Tesco 0% 34 months card, which was a great deal. Got a credit limit of £5100 As part of the online application , you can put in the details of any transfers you want to do , so I did 3 at £2800, £1100 and £300. Logging…
-
credit card repayment
Hello... em facing skme financial difficulties n not able to make monthly payments.. hav prepard financial statment however american express is not accepting it as they wanted me to includs my patner income n expenditure details as well. I do not want his details to be include... as both of us deal e our own seprate…
-
New Credit card address
Hi, I just wonder if anyone can advise me, ive had credit cards for years (have a very good credit rating) and always had them at my family home address as I move a lot for work. I want to transfer my current credit card balance to a 0% Barclay card but don't know what address to register it at... I've been at this address…
-
Money transfer then balance transfer
Inspired by a post that YorkshireBoy posted in the super balance transfer thread I am wondering if the following is an option that would work. I have credit card currently at 0% for a couple of months with a balance of about £1300. I won't pay this off so will need to transfer it to another card. I also have a loan with…
-
Pre loading credit card with money?
HI. i am going on holiday next week and have ordered the halifax credit card to save money and get the best exchange rate when spending abroad. However I have already saved the majority of spending money for my holiday. So my question is, once I get my card, can I go into the bank and "pre load" some money on the card to…
